Fabens, TX · Cert 3191
FDIC · 7 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fabens, TX · Cert 3191
FDIC · 7 branches
Q2 2016
Market Position · El Paso, TX · 2016 SOD (annual) · 2.7% share · #7 of 17 inst. · $0.3B of $10.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.76% | 2.79% | 3.23% | 2.77% | 2.68% | 2.61% | 2.34% | 2.24% | -53 bps | |
| Return on Equity | 26.42% | 26.48% | 29.85% | 25.75% | 24.85% | 23.97% | 20.86% | 19.92% | -583 bps | |
| Net Interest Margin | 4.04% | 3.99% | 4.24% | 3.95% | 3.80% | 3.87% | 3.55% | 3.53% | -42 bps | |
| Efficiency Ratio | 50.23% | 50.32% | 44.55% | 49.57% | 49.83% | 50.94% | 52.69% | 52.53% | +296 bps | |
| Non-Interest Burden | 1.19% | 1.21% | 0.92% | 1.17% | 1.15% | 1.22% | 1.21% | 1.30% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 1.43% | 3.66% | 6.98% | 6.32% | 2.32% | 2.31% | -0.70% | -768 bps | |
| Loan Growth (YoY) | 7.61% | 10.17% | 7.78% | 2.29% | -6.28% | -13.13% | -19.73% | -14.31% | -1,660 bps | |
| Deposit Growth (YoY) | -2.84% | -2.83% | -1.15% | 2.93% | 6.31% | 1.50% | 2.72% | -0.89% | -382 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.13% | -0.09% | -0.17% | -0.11% | -0.08% | 0.00% | 0.00% | +17 bps | |
| Allowance / Loans | 1.17% | 1.01% | 1.07% | 1.19% | 1.26% | 1.33% | 1.42% | 1.38% | +19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.77% | 10.61% | 10.69% | 11.19% | 11.29% | 11.27% | +66 bps | |
| Total Risk-Based Capital | 17.35% | 17.31% | 17.74% | 18.68% | 19.94% | 21.69% | 22.38% | 22.06% | +338 bps | |
| Equity / Assets | 10.85% | 10.83% | 10.78% | 10.61% | 10.93% | 11.34% | 11.13% | 11.25% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.80% | 80.10% | 79.19% | 74.02% | 70.34% | 68.56% | 61.88% | 64.00% | -1,002 bps | |
| Liquid Assets / Assets | 26.76% | 26.49% | 28.69% | 32.82% | 35.20% | 33.25% | 41.44% | 39.45% | +663 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |